Secure your Retirement

Secure your Retirement

With life expectancy on the rise, you have more to look forward to and prepare for, if you want to stay financially independent for life. Make every moment count with AIA Prime Secure, a 360-degree solution which can provide dividends and cash value for a golden nest egg to keep you comfortable in your retirement. What’s more, you enjoy life protection up to age 100, so you can celebrate the next chapter, worry-free.


Gives you the flexibility to choose

You can choose to pay the premiums for 5, 10 or 15 years and enjoy protection till age 100 without worrying about paying premiums later in life.

Convertible protection that you can cash out

We know that future needs are hard to predict, which is why AIA Prime Secure keeps your options open. You can swap half or all of your coverage to receive 15 years of regular monthly income1, giving you extra liquidity if the need arises. This option is available 10 years after you have made full payment or when you reach age 60, whichever is later.

Accumulate more for your next chapter in life

To help you stay financially independent during your retirement, AIA Prime Secure provides savings that can grow year after year till age 100. Enjoy potential annual dividends2 from the 3rd year, which you can withdraw or keep with us to earn interest.

Escalating support for disability

AIA Prime Secure provides a safety net in the event of disability, helping to limit the impact on your savings.

If you are unable to perform at least 2 out of the 6 Activities of Daily Living (ADL), you’ll receive 3% of your coverage amount in a lump sum to help you cope with lifestyle changes.

In addition, you will be paid a monthly disability income of 0.5% of your coverage amount, plus your future premiums will be taken care for as long as the disability persists. Your monthly disability income will increase by 5% of the initial monthly disability income after every 24 payouts, all the way to age 100 or upon death, whichever is earlier, helping to cover rising medical or nursing care costs.


6 Activities of Daily Living (ADL)3

  • Transferring Transferring
  • Mobility Mobility
  • Feeding Feeding
  • Dressing Dressing
  • Washing Washing
  • Toileting Toileting

Targeting special conditions that tend to strike later

AIA Prime Secure gives you the financial support you need even if life takes an unexpected turn. Should any of the 10 special conditions strike, you’ll receive 30% of your coverage amount in a lump sum of up to $50,000 - without reducing your savings or coverage amount. You can even make multiple claims for separate conditions4, so you’re adequately covered.


10 Special Conditions

  • Intermediate Stage Stroke
  • Intermediate Stage Alzheimer’s Disease/Dementia
  • Intermediate Stage Parkinson’s Disease
  • Severe Rheumatoid Arthritis
  • Osteoporosis
  • Diabetic Complications
  • Severe Chronic Obstructive Pulmonary Disease (COPD)
  • Urinary Incontinence
  • Age-related Macular Degeneration
  • Severe Presbycusis

At age 40, Samuel decides to buy AIA Prime Secure with a coverage amount of S$100,000. He pays annual premiums of S$7,600 for 10 years and chooses to accumulate his potential annual dividends with AIA to earn interest.


Suffers an intermediate stage stroke and is unable to perform 2 ADLs3

Special condition payout


Lump-sum disability payout


Initial monthly disability income






Recovers from stroke and returns to work. Monthly disability income ends.

Total monthly disability income:


S$66,000 over 10 years

Initial monthly disability income


No further premium payable.


Retires and swaps 50% of coverage for monthly income drawdown


Potential initial monthly income: S$245.83*



Monthly income drawdown ends

Total potential monthly income:

S$54,619* over 15 years Coverage amount of S$50,000 and savings continue


Passes away, and his wife receives the death benefit

Potential death benefit:

Total premiums paid = S$45,600 (Premiums waived from year 7) Total projected payout value = S$284,177*
6.23X the total premiums paid

* Note: The projected figures are a combination of guaranteed and non-guaranteed benefits where the non-guaranteed benefits are based on a projected investment return of 4.75% p.a..

General Notes:General Notes:

There are certain conditions whereby no benefits will be payable. Waiting period, survival period and deferment period are applicable before the benefits will be payable. You are advised to read the policy contract for details.

1The monthly income payout will reduce your policy’s coverage amount and surrender value accordingly.

2Annual dividends are not guaranteed and may be credited on an annual basis depending on the experience of the participating fund. Once declared and credited, the dividend is guaranteed.

3Please refer to the product summary for the definitions of the 6 ADL.

4Limited to one claim per special condition


This insurance plan is distributed by Citibank Singapore Limited ("CSL") and underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All insurance applications are subject to AIA's underwriting and acceptance.

This material is only for general information and is not a contract of insurance. The information provided must be read with, and subject to, all the terms and conditions and exclusions contained in the policy contract. Please refer to the policy contract for the policy terms and conditions. You should seek advice from a qualified adviser if in doubt. If you choose not to, you are responsible for ensuring that any insurance product you have applied for is suitable for you.

Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. Insurance products are not bank deposits or obligations of or guaranteed by CSL or its related entities. Insurance products are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. They may be protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). Coverage is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit the websites of the Life Insurance Association or SDIC ( or

The information is correct as at October 2017.

Citibank full disclaimers, terms and conditions apply to individual products and banking services. For more details, please visit ©2017 Citibank Singapore Limited. All rights reserved. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. Citibank Singapore Limited Co. Reg. No. 200309485K.